Car Insurance for Minnesota Drivers
Whether you’re heading out to enjoy one of Minnesota’s 10,000 lakes, or taking a shopping trip to the Mall of America, experienced drivers like you can feel protected by dependable car insurance when traveling along Minnesota’s roadways. The AARP® Auto Insurance Program from The Hartford1 has been protecting Minnesota AARP members and their families with car insurance coverage since 1984, and has earned a reputation for integrity and trust. Customers rate The Hartford highly for claims services, because they can rely on our car insurance to be there when it’s needed most.
If you want to request a car insurance quote, or learn more about buying car insurance in the state of Minnesota, we’re here to help.
Car Insurance Benefits Offered for Minnesota Drivers
The AARP Auto Insurance Program from The Hartford offers valuable benefits to Minnesota drivers. Our car insurance coverage for Minnesota drivers includes:
12-month Rate Protection for car insurance policies
New Car Replacement§§
24/7 Claim Service
Required Car Insurance Coverages in Minnesota
To make sure you have adequate car insurance in accordance with Minnesota state law, drivers in Minnesota must carry Personal Injury Protection (PIP), and Liability coverage in the following amounts:2
$40,000 for Personal Injury Protection (PIP), per person, per accident
$30,000 for bodily injury, per person per accident
$60,000 for bodily injury, total per accident
$10,000 for property damage per accident
Minnesota Uninsured Driver Facts
According to a 2012 Insurance Research Council report, 10.8 percent of Minnesota drivers don’t have car insurance. Minnesota is below the national average of 12.6% of drivers who are without car insurance.3
Minnesota drivers are required to carry uninsured/underinsured motorist car insurance coverage to help pay medical bills after an accident caused by a driver without car insurance or a driver who does not have adequate car insurance coverage to pay your medical bills.
Your uninsured/underinsured motorist coverage must have the minimum coverage amounts of:2
$25,000 per person
$50,000 total per accident
Proof of Car Insurance in Minnesota
Minnesota drivers should keep their car insurance ID cards and registration in their car at all times. As a convenience, Minnesota also accepts electronic proof of car insurance, which means you can download The Hartford’s mobile app and save your ID cards right to your phone. Visit the App Store™ or Google Play™ for more information.
Additional Car Insurance Coverages Available to Minnesota Drivers
In addition to helping you meet Minnesota car insurance requirements, The AARP Auto Insurance Program from The Hartford offers additional car insurance coverage to provide for more security. Get a quote today to learn more about these great car insurance coverage options:
Comprehensive with Full Glass Coverage
Beyond Car Insurance: Minnesota Safe Driving Laws
As you travel through Minnesota, there are a number of safe driving laws meant to protect you on Minnesota’s highways and byways. Here are just a few:4
Minnesota Seat Belt Laws:
Minnesota is one of many states that have a primary seat belt law – which means that law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.
Minnesota Distracted Driving Laws:
Minnesota has laws in place to discourage distracted driving:
New drivers in Minnesota are not allowed to use hand-held or hands-free cell phones.
Texting while driving is banned in the State of Minnesota.
Minnesota Teen Driver Laws:
Getting a driver’s license is a rite of passage for all teenagers, and Minnesota wants to be sure they stay safe in the process! Minnesota has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.